Call reports 2022
PONCE BANK, NATIONAL ASSOCIATION — 2022
What PONCE BANK, NATIONAL ASSOCIATION reported to the FFIEC in 2022, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Total assets | 1,590,165,000 | 2,033,683,000 | 2,150,148,000 | 2,300,787,000 |
| Total loans | 1,325,310,000 | 1,351,088,000 | 1,421,018,000 | 1,529,697,000 |
| Allowance for loan losses | 16,893,000 | 17,535,000 | 25,108,000 | 34,592,000 |
| Securities available for sale | 154,798,000 | 140,043,000 | 131,977,000 | 129,505,000 |
| Securities held to maturity | 927,000 | 211,517,000 | 494,297,000 | 510,820,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 1,225,399,000 | 1,188,224,000 | 1,392,263,000 | 1,290,454,000 |
| Interest-bearing deposits | 936,779,000 | 900,588,000 | 1,108,532,000 | 1,018,142,000 |
| Noninterest-bearing deposits | 288,620,000 | 287,636,000 | 283,731,000 | 272,312,000 |
| Equity capital | 241,636,000 | 461,046,000 | 446,546,000 | 438,975,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Interest income | 19,018,000 | 36,186,000 | 57,819,000 | 82,752,000 |
| Interest expense | 1,764,000 | 3,527,000 | 7,612,000 | 16,455,000 |
| Net interest income | 17,254,000 | 32,659,000 | 50,207,000 | 66,297,000 |
| Noninterest income | 2,344,000 | 4,649,000 | 6,353,000 | 6,736,000 |
| Noninterest expense | 22,333,000 | 37,627,000 | 61,333,000 | 75,965,000 |
| Provision for loan losses | 1,258,000 | 2,075,000 | 11,405,000 | 24,046,000 |
| Pretax income | -3,993,000 | -2,398,000 | -16,182,000 | -26,982,000 |
| Income tax | 406,000 | -82,000 | -2,432,000 | -4,836,000 |
| Net income | -4,399,000 | -2,316,000 | -13,750,000 | -22,146,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2022Q1 | 2022Q2 | 2022Q3 | 2022Q4 |
|---|---|---|---|---|
| Tier 1 capital | 248,671,000 | 476,038,000 | 464,936,000 | 456,816,000 |
| Total capital | 262,826,000 | 493,169,000 | 483,120,000 | 476,520,000 |
| Risk-weighted assets | 1,129,451,000 | 1,369,828,000 | 1,446,978,000 | 1,561,041,000 |